Act as a fee-only financial advisor. Review my financial situation and create a prioritized action plan:
Income: $[X]
Montly expenses: $[X]
Debts: [LIST WITH RATES]
Savings: [ACCOUNTS AND BALANCES]
Investments: [DESCRIPTION]
Age: [X]
Goals: [SHORT AND LONG TERM]
Provide: 1) Emergency fund assessment, 2) Debt payoff prioritization (avalanche vs. snowball for my situation), 3) Tax-advantaged account optimization sequence, 4) Investment allocation for my timeline and risk tolerance, 5) Top 3 immediate actions, 6) Red flags you see. Be specific — no "consult a professional" deflection.